Understanding when and how to pay for your medical care can cause confusion. Here we break down the cost for in-network
medical office visits and prescriptions if you are enrolled in the Zachry PPO plan or the High-Deductible Health Plan (HDHP).

Before you meet your deductible:
On the PPO plan, you pay

20

%

Scan this QR code on your
smart phone to watch a
video comparing a PPO
plan with an HDHP.
Use your PayFlex health care
flexible spending account (FSA)
debit card.
Check your balance by logging in
to www.payflex.com or using the
PayFlex mobile app.

of the cost

for an in-network medical office
visit or the prescription copay

On the HDHP, you pay

100%of the cost

for an in-network medical
office visit or prescription

After you meet your deductible:
You CONTINUE to pay

20%of the cost

for an in-network medical office
visit or the prescription copay

NOW you pay only

20%of the cost

Your 2018 in-network annual
deductibles are:
• PPO plan = $500 (individuals) or
$1,500 (family coverage)
• HDHP = $2,700 (individuals) or
$6,000 (family coverage)
You can find out how close you are
to meeting your annual deductible
by logging in to www.bcbstx.com or
using the BCBSTX mobile app.

Use your Fidelity health savings
account (HSA) debit card if funds
are available.
Check your HSA balance by logging
in to www.netbenefits.com or
using the Fidelity mobile app.

for an in-network medical
office visit or prescription

Please refer to the plan documents and policies for all of the terms, coverages, exclusions, limitations and conditions of the actual contract language.

BlueCross BlueShield of Texas (BCBSTX) gives you and your
covered dependents access to care for non-emergency medical
issues through MDLIVE. The cost per virtual visit is less than
a trip to the urgent care! To register, call (888) 680-8646, visit
www.MDLIVE.com/bcbstx or download the MDLIVE mobile app.

Schedule Your Annual Physical
We want you to take care of your health, which starts with an annual physical exam. Preventive care is
not only covered at 100% in network for anyone enrolled in a Zachry medical plan, but it also helps to:
• Prevent health problems. Annual physicals allow your doctor to review any changes that have
occurred over the last year and help you identify risk factors that could lead to future health
problems as well as offer expert advice on how to manage them.
• Strengthen the relationship between you and your doctor. People who have established a
relationship with their doctors are more likely to see them regulary, be honest with them and listen
to their advice.
• Establish baselines. Getting a routine physical can establish a baseline to aid you and your doctor
in making future decisions.
• Update vaccinations. Staying up-to-date on your vaccinations is an important way to prevent
disease.
To find a doctor in the BCBSTX network, visit www.bcbstx.com > Find a Doctor or Hospital within the
PPO Choice (BCA) network, or download the BCBSTX mobile app.